Polk County property record for 4046 Ruby Run, Haines City, FL 33844 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,802 sqft · built 2021 |
| Lot Size | 0.127 acres (5,523 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $263,200 (Aug 2021) |
| Tax Bill | $4,453 (2025) |
| Deeds & Mortgages | Sep 2023 Mortgage Aug 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-27-16-740508-001460 |
| Primary APN | 27-27-16-740508-001460 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,802 sqft Living Area |
| Gross Area | 2,263 sqft |
| 1st Floor Area | 1,802 sqft |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 5,523 sqft (0.127 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 461 sqft |
| Porch | Finished/Open Porch |
| Street Address | 4046 RUBY RUN |
|---|---|
| City | HAINES CITY |
| State | FL |
| Zip | 33844-6450 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HIGHLAND MEADOWS PHASE 7 PB 178 PG 34-37 LOT 146 |
| Legal Range | 27E |
| Legal Township | 27S |
| Legal Section | 16 |
| Legal Subdivision | HIGHLAND MEADOWS PHASE 7 |
| Legal Phase | 7 |
| Legal Block | 2 |
| Legal Lot Number | 146 |
| Jurisdiction | POLK FL |
| Township / Civil Division | HAINES CITY |
| Census Block Group | 2 |
| Census Block | 2027 |
| Census Tract | 12515 |
Source: Polk County records · APN 27-27-16-740508-001460
Assessment roll updated July 23, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4046 RUBY RUN, HAINES CITY, FL 33844-6450 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Sep 29, 2023 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Aug 02, 2021 | Special Warranty Deed, Transfer · FHA Mortgage HOME SOLUTION LENDERS INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 02, 2021 · Amount on Record |
| Deed Sale | Aug 02, 2021 · Amount on Record |
| Deed Document Number | 2021199797 |
| Deed Book / Page | 11828 / 2026 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 4046 RUBY RUN, HAINES CITY, FL 33844-6450 |
| Transaction Type | Mortgage |
| Record Updated | Oct 13, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 4046 RUBY RUN, HAINES CITY, FL 33844-6450 |
| Document Number | 0000228895 |
|---|---|
| Date | Sep 29, 2023 |
| Book Page | 12853/1969 |
| Instrument | 2023228895 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 335 Months |
| Due | Aug 01, 2051 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Aug 02, 2021 |
| Property Address | 4046 RUBY RUN, HAINES CITY, FL 33844-6450 |
| Document Number | 0000199797 |
| Book / Page | 11828 / 2026 |
| Map Reference | MB 178 PG 34-37 |
| Instrument Date | Jul 27, 2021 |
| Instrument | 2021199797 |
| Transaction Type | Transfer |
| Record Updated | Feb 23, 2023 |
| Title Company | INNOVATIVE TITLE AGENCY, INNOVATIVE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,842.40 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3020 S FLORIDA AVE STE 101, 101, LAKELAND, FL 33803-4058 |
| Name | Verified Name |
|---|---|
| Address | 4046 RUBY RUN, HAINES CITY, FL 33844-6450 |
| Document Number | 0118282028 |
|---|---|
| Date | Aug 02, 2021 |
| Instrument | 11828/2028 |
| Name | HOME SOLUTION LENDERS INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2051 |
Source: Polk County records · Assessment roll updated July 23, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Haines City |
| Unified School District | Polk County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,453.00 (-40.82%) Homeowner's exemption | $272,739 (-3.06%) Land $50,000 Building $222,739 | $272,739 (-3.06%) Land $50,000 Building $222,739 |
| 2023 | $7,524.00 (+9.86%) | $281,350 (+13.51%) Land $48,000 Building $233,350 | $281,350 (+13.51%) Land $48,000 Building $233,350 |
| 2022 | $6,849.00 | $247,854 Land $40,000 Building $207,854 | $247,854 Land $40,000 Building $207,854 |
Source: FEMA National Flood Hazard Layer, Polk County (12105C), updated October 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121050125152, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 10 individual NFIP policies nearby |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 10 in force |
| Wildfire Risk | Low above 37% of the US · above 11% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 1,370 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 367 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Frontier | Fiber | 5,000 / 5,000 |
| Spectrum | Cable | 1,000 / 1,000 |
| Verizon | Fixed Wireless | 300 / 20 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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